Interest Checking
CommerceInterest Checking Account
Control Spending. Earn interest.
This everyday checking account works for you — earn interest1 while you manage spending.
Open a CommerceInterest Checking account. Open a checking account
Earn. Everyday.
CommerceInterest Checking
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Minimum deposit
to open: $100 - Monthly service fee: $12 or waived2
Bank without the monthly fee!
Waive the monthly fee with one direct deposit of $500 or more OR maintain a daily balance of $1,000 in each statement cycle.2
Perks
Also Available
Find the Commerce Checking account that's right for you. Open an account
Connect your account to your favorite digital wallet, activate Online Banking, download the Commerce Bank Mobile App (for iPhone® or Android®), and experience the convenience and control to bank whenever and wherever you choose.
Open a bank account online and enjoy the benefits!
With the CommerceInterest Checking Account, you’ll have access to:
Protection
Commerce ID Recover9
(Optional, monthly fee may apply8)
Commerce ID Monitor9
(Optional, monthly fee applies8)
Questions about which account is right for you?
Challenge Accepted.®
My Savings Accelerator makes saving simple.
Knowing how to save — or even how much you can save — can be challenging. But with My Savings Accelerator tools like SmartSave and Round Up, you can take control of your strategy, remove the guesswork, and make saving effortless. Best of all, there’s no fee to use SmartSave or Round Up.
mySpending Card®
Use the flexibility of this reloadable prepaid debit card to balance your budget, spend more safely while traveling, or to manage your child’s expenses.10 mySpending Card® may be purchased online by Commerce Bank customers or by visiting your local branch.
Ideas & Tips
Why you need both checking & savings accounts.
Here’s a brief explanation of the two most common types of bank accounts, why to have them, and how to get started.
Why you still need a checking account.
Having a checking account is often a prerequisite for applying for credit, loans and other financial products. It’s the foundation upon which you can access additional services your bank provides.
Preparing for the unexpected: How you can protect yourself and your finances.
Proactive steps you can take to be better prepared should an accident, serious illness, job layoff or other emergencies threaten your financial well-being.
Disclosures:
*Annual Percentage Yields (APYs) effective: April 03, 2025
There is no minimum balance requirement to earn the APY. Rate(s) may change after account is opened. Fees could reduce earnings on the account.
- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ending collected balance in the account each day. Interest rate and annual percentage yield may vary. We may change the interest rate at any time at our discretion. Fees could reduce earnings on your account. When your collected balance is greater than $1,000, you may earn a higher rate of interest.
- Minimum Balance to Avoid Service Charges: During the statement cycle you must have at least one direct deposit of $500 or more OR maintain a daily balance of $1,000. Daily balance means the ending ledger balance in the account each day. You must maintain the minimum daily balance every day of the monthly cycle.
- Must activate Online Banking and sign up for paperless statements to get free monthly paperless statement. Fee for other statement options waived for the first 60 days after new account opening. This 60-day grace period does not apply to existing or converted accounts.
- Message and data usage fees apply; check with your wireless or VoIP provider for more information.
- Fees may apply for External Transfers, depending on the speed of the transaction.
- View Overdraft Grace Period page for details.
- Overdraft services require separate enrollment. There is no charge until the service is used.
- To be eligible for Commerce ID Recover and Commerce ID Monitor, you must have a Commerce personal checking account, reside in the United States or its territories, and be a legal adult in your state of residence. The Service applies to the Commerce personal checking account holder and the spouse or domestic partner (a person who, although not legally married to the registered Customer, has cohabitated with the Customer for a period of at least one (1) year and is publicly represented as the Customer’s domestic partner in the community in which they reside), dependent children under the age of 21 who live with the Customer and dependent children under the age of 25 who are full-time students, as determined by IRS dependency requirements.
- Commerce ID Recover is $5.49 per month. Commerce ID Monitor is $12.99 per month.
- Initial value load fee: $5.95. Secondary/Additional card: $2.00. Load, spending and withdrawal limits apply. Review mySpending Card® for fees, limits and details. Minimum load amount: $10, unless funds are loaded by direct deposit or other ACH transaction.
- Get a $50 Visa® Reward Card for every friend and family member you refer to open and use a new Commerce personal checking account, up to $500. Terms & Conditions apply and are available at www.referlive.com/commercebank.
Deposit Agreement & Disclosures
To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
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